The KWEB still quite high compare to the price i invested on May 2020, that time KWEB only around USD 50 - 55. These few month keep buy at high price 

Hi, recently I bump into fsmone(I'm a slow poke I know), I notice there do have similar etf and more can be bought there.

My question is how is the fee compare SA VS fsmone.
Given the advantage fsmone I'm free to choose even higher risk etf. I mainly now now have issue with gld. Personally I dislike gld as it is a form or currency hedge and not a way to grow.

there have been great discussion over Monthly DCA vs Weekly DCA.

(If you agree with me, please save and share this post to anyone asking whether they should monthly DCA or weekly DCA.)

I have decided to create a simulation using Excel with the following configuration:
- Annual investment: $12000
- Investment Period: 10 years (01 Jan 2021 to 31 Dec 2030)
- The daily unit price changes: Random between 5% to -4.7%

Based on the above,
Monthly DCA amount: $12000 / 12mth = $1000
4x DCA per mth amount: $12000 / 12mth / 4 deposits = $250
Weekly DCA amount: $12000 / (365.25 days / 7 days) = $230.136986
Annually DCA amount: $12000
==
For monthly Investment, I plotted a table, to compare the returns if I invest in every 1st of the month, 2nd of the month, 3rd of the month, ... , all the way to 28 of the month.
- 1st of every month
- 2nd of every month
- 3rd of every month
- ..
- 28th of every month

(I didn't go up to 29, 30 and 31 of every month, because not every month also have the date. And I think 28 days is more than enough for this experiment)

Then review the investment return by calculating the unit obtains x the unit price as of 31 Dec 2030.

So, I have 28 results for me to compare what is the different if I invest in any day of the month

==
For 4x DCA per mth, I chosen the following combination dates:
- 1, 8, 15, 22
- 2, 9, 16, 23
- 3, 10, 17, 24
- 4, 11, 18, 25
- 5, 12, 19, 26
- 6, 13, 20, 27
- 7, 14, 21, 28

So, I have 7 set of results to compare.

==
For weekly is easy, I simulate if I deposit on every:
- Sunday
- Monday
- Tuesday
- ...
- Saturday

I also have 7 set of results to compare

==
For Annually, I didn't want to create 365 sets of result, so I only invested on every 1st of each month
- 1st Jan
- 1st Feb
- 1st Mar
- ...
- 1st Dec

So, I have 12 returns to compare

==
BONUS!!

I also simulated daily DCA! Yes, daily!
Daily DCA amount: $12000 / 365.25 days = $32.85421

========================

P/S and conclusions:
- of course, this is just a simple simulation, it does not take in all variables in the real life stock market
- The results are also predictable and expected:
-- Since I have fixed observation date (31 Dec 2030), the earlier I invest will get more time for the power of compounding
-- weekly DCA does not guarantee better returns. It is only means your DCA is more average than monthly DCA.
-- the daily DCA returns is lower than average of other DCA frequency due to the same reason, many of the deposits doesn't have enough time for the power of compounding
-- conclusion, it doesn't really matter if we are DCA daily, weekly or monthly.
-- The more frequent you deposit, doesn't guarantee the better returns; it is means your dollar cost averaging is more averaging than others.
-- for investment in stashaway, time in market is better than time the market. So, just monthly/weekly/daily DCA as you wish.

Wanna ask, any one has an idea how StashAway calculated the returns? My returns is ridiculously high, but the return on the capital it's not what shown in the return % regardless time-weighted / money-weighted.

My portfolio started since 1st Jan 2019, and have been DCA every month (usually 1st week of every month), never stopped since then.
There is no lump sum involved, but I do increase my DCA amount in 2nd year. Still, the % doesnt make sense. The return calculated using pure math is only around 15%
Just curious how's the calculation actually computed.

This is what i done, DCA monthly, got dip kasi in lagi 👍👍👍

this is the purpose of auto-robo ma......biar aje......see too much very tired......better do others thing......
kasi itu forum hangat ma......if no debat, boring la.....

A sell order executed yesterday to sell off XLY.

Today a buy order is placed.

Should be exceeded XLY target allocation; the rebalancing algorithm kicks off.

Robo is selling XLY and buying into IJR or XLP because of reporting season

    sifu
With amount i'm comfortable probably RM600 monthly, which will seperated weekly RM150.00
Izzit too small for me to start with 
Beside of setting schedule one time deposit in SA app (each setup take me 30 seconds), any other recommended convenience way?
It doesn't cost me "more" that if i doing weekly dca comparing to monthly dca right?
Worried if there is any "hidden charge" like i have to pay sales charge per deposit or etc

Btw i'm aware that there is account management fee subject to 1.5% or etc
So i have to put some 'referral code' into somewhere, where can i do this, i saw in previous post that had to contact CS to manually submit the 'free management fee' code

Even 5% allocation is not favorable?

Gold goes up means stocks go down? LMAO

Joking only sorry. If im not mistaken it's well know that if Gold rises stocks value goes down (correct me if I am wrong).

Just that GLD is a cushion for us if stock prices goes down, and in a way it also limit maximum potential of profit.

Having GLD is not a bad thing actually, just sharing my opinion.

Does anyone feel that the stock market is getting too hot and too fast after a major crash like that back in March 2020? Or was March 2020 just a "correction"?

Most are back to pre-Covid levels and still going up.

It's ath now with KWEB on steroids. Better ride the wave or secure profit?

Do you guy normally use Jompay or auto debit ?
Or actually make no difference as long as we look at whole pic which is dca over 2-3 years.